Lwemali ababoleka. ukunyakaza Zonke-Russian we ababoleka lwemali

Kuze kube manje, emnothweni Russian kuyinqubo lokuba yingxenye isimiso sezomnotho somhlaba. Lokhu kuchaza ukuvela izinkampani zasekhaya kudingeke uphakamise ngemali yakwamanye amazwe. Ukuboleka e nezinhlangano zasemazweni angaphandle kungenye yezindlela ukuxazulula le nkinga.

Ubani lo muntu obolekayo?

Umboleki oyingxenye ubudlelwano credit, okuyinto wathola loan futhi uzibophezela ukubuya ngesikhathi futhi akhokhe inzalo esingashintshi kuze kufinyelelwe esikhathini usebenzisa loan.

Njengengxenye ubuhlobo credit kokubili umbolekisi kanye umboleki ongakhonza ibhizinisi elifanayo kwezomnotho. Uma inkampani ngeke yibhange imali engango, kuyoba umboleki futhi enye inhlangano - yomuntu obolekisayo. Kodwa uma inhlangano igcina imali yabo ebhange, bona bazocula kwamaqhaza okuphambene.

Lapho loan inhlangano kwezomnotho kuyoba ephathini nokuba nobuhlobo yomuntu obolekisayo. Kuthatha ethile imali noma ezinye izinto nge-accessory ye-ethize. Ngaphansi kwesivumelwano, umboleki kumele libuyise inani elifanayo lemali noma nenani elilinganako izinto sohlobo olufanayo futhi izinga.

Uma isikhungo loan uzobe enza imali anikezwe lwemali kwelinye izwe, inhlangano kwezomnotho kuyoba lwemali umboleki.

Ngayiphi nemali ababoleka ukuboleka izimali?

Injongo edonsa currency angaphandle kungaba yisiphi. Nokho, kufanele ukugqamisa labo ezivamile:

• payment for services, imisebenzi noma izinjongo empahla, iziphi othengwe kusukela izinkampani zakwamanye amazwe futhi ezifuywayo;
• yokukhokha izimpahla, okuyinto kungabuye ithengwe ku eqashisa ngamafulethi izivumelwano zamazwe ngamazwe;
• ekuvulweni emahhovisi enkampani phesheya;
• yokufuna izibambiso ukuthi anikezwe lwemali kwelinye izwe;
• ukuthenga ingcebo usebenzisa izimali zakwamanye amazwe;
• iqhaza utshalomali lenkampani yangaphandle;
• nezinye izinjongo.

Kuyaphawuleka ukuthi eRussia ukuthola imali-mboleko ngo-izinkampani zasekhaya e izimali zakwamanye amazwe akuvunyelwe ngokomthetho. Usizo lwemali ababoleka ukunikeza izikhungo zezimali ogunyaziwe. Bona ngokuvamile setha amaphesenti ephakeme kunaleyo amathini abavamile.

Yini izindleko kulindeleke ukuba bashintshisane umboleki?

Ukusetshenziswa ukubolekisa kuholela izindleko ezengeziwe, okufanele ukwazi ngaphambi asesebenzisa le ndlela yokukhipha izimali. Basebaningi abantu abangakwazi ukufunda kule ndaba kungaholela emiphumeleni engemihle. Lwemali ababoleka imali kuyodingeka izindleko ezilandelayo:

• Kuyathakazelisa ukuphawula ukuthi ubhekene nenkinga yezimali akhokhe abakweletwayo;
• umehluko exchange rate, kwakhiwa ngaphansi imigomo yenkontileka kusukela ngosuku accrual kwezinhloso zenzuzo ekuvuthweni yabo ngokugcwele okuyinto.

Inzalo okufanele zikhokhwe ngokulandela inqubo ngokunqaba inkontileka. Uma akubonisi ngesikhathi esifanele, kumele kwenziwe ukuze uthole ukubuyiselwa imali okugcwele njalo ngenyanga. Lapho iguqulwe ezinganeni enqwabelene isithakazelo izindleko noma engenayo kuyoba nenani negative noma positive exchange rate umehluko.

mortgage credit obolekisayo

Ukucabangela lesi simo, ukunikeza abatshelekayo. Lokhu loan eside kuhlinzekwe yinkampani yezezimali noma inhlangano ebonakalayo. Kulokhu, into isibambiso impahla saziso. Lokhu kungaba egumbini izindawo, kanye izakhiwo zokuhlala kanye nezezimboni. Kuyaphawuleka ukuthi ababoleka lwemali mortgage ngabantu abaye inikwe loan izimali zakwamanye amazwe.

Uhlobo oluvame kakhulu ukusetshenziswa mortgage loans eRussia yokufuna ingcebo izakhamuzi e loan. Ngokuyinhloko, into iba eseduze ukuthenga izindlu, kodwa kungaba isakhiwo osuvele ukhona. Impahla olunikezwa mortgage bhalisiwe neziphathimandla ezifanele, ngakho-ke lwemali mortgage ababoleka ngeke bakwazi ukuwudayisa sokukhokha imali ebolekiwe ngaphandle handling ekhethekile.

Lwemali ukubolekisa ku-mortgage

Isimo samanje somnotho umbuso isimo esinzima kakhulu, ekugcineni kwahlaluka ukuthi ncamashi abanikazi mortgage loans izimali zakwamanye amazwe. Lokhu kungenxa yokuthi iningi lalaba bantu zikhokhwa ruble, futhi izindleko izinkokhelo zenyanga kumadola kanye euro rose izikhathi cishe eziningana, ngokubeka inani elikhulu emindenini sisonqenqemeni okuzenzakalelayo. Saxoxa kukho okulandelayo ukuxazulula inkinga:

• ukulungisa ngesilinganiso ezithile ushintsho;
• ukujanyiswa ukuqoqwa izikweletu sekwephuzile;
• ebukezwe intela yemali loan.

Kuyaphawuleka ukuthi isinqumo sokugcina likhishiwe, ngakho lwemali mortgage ababoleka benza isenzo sina nguhulumende. Nyanga zonke loan abanamacala zikhulisa, njengoba izakhamuzi abakwazi ukwenza izinkokhelo ngendlela esifike ngesikhathi ngezinga elikhulu. Phakathi kwabo kungenzeka uhhafu we ababoleka asebethathe izimali zakwamanye amazwe imali. UHulumeni kufanele bathathe izinyathelo ezifanele maqondana kulesi sigaba sama-izakhamuzi, njengoba Duma State ilungiselela ukumisa izinkokhelo. Kulokhu, Central Bank ukusiza ababoleka lwemali ngokudlulisela credits lwemali kwamanye amazwe e-ruble, sigxile esimweni esithile. Nokho, ochwepheshe bathi inkinga ne nemiphumela kuyodingeka izakhamuzi ezathatha udumo, akazange Cabangisisa ngawo wonke "kochwepheshe" futhi "nebubi."

Ukunyakaza kwabantu noma izithunzi currency angaphandle mortgage ababoleka

Ekupheleni konyaka odlule lenzeka ukunyakaza zonke isiRashiya lwemali mortgage ababoleka. Lokhu kwakubangelwa ebukhali ukwehla of the ruble, okwenza cishe akunakwenzeka ukuba inkonzo ukubolekisa yalolu hlobo. Le ukunyakaza likwazi sisetshenziselwe kuphela okuyinto ukudlulisela esele imali at kwezimo esamukelekayo izakhamuzi, esiphezulu zokulinganiswa izinkokhelo izimali zakwamanye amazwe kanye ruble.

Zonke-Russian ukuhamba ababoleka lwemali kuhlanganisa abahlanganyeli abayizakhamuzi we State ababhalisela loans ezimbi ngezinye izikhathi ezahlukene. Basuke amelwe ekuxhumaneni ehlukahlukene emphakathini futhi kufanele iwebhusayithi yabo. Kubahlanganyeli ezinyakazayo ngaphansi ukucatshangelwa ukwenza imisebenzi ethile ngokuvumelana namakhono abo. Ziyakwazi:

• iqhaza izingqungquthela ezihlukahlukene;
• inhlangano imicimbi;
• izingxoxo kanye nalabamele kahulumeni kanye nezikhungo zezimali;
• sisebenze abezindaba.

Zonke-Russian ukunyakaza lwemali mortgage ababoleka kuhilela ukuhlanganyela njalo yokuzithandela. Yilelo nalelo lungu unelungelo lokuveza imibono yabo, nokwenza iziphakamiso okwakhayo zisekelwe ezizathwini.

Njengoba umphakathi, lwemali ababoleka libhekisela emandleni?

Ubona umphakathi uqokomisa yokuntuleka Izinjongo kwezombangazwe, okwakusho eshiya igunya abaqotho kuhulumeni. Zonke Russian lwemali ababoleka ukunyakaza futhi ihambisana inkomba ezilandelanayo ukuze ngamabhange. Lokhu kuvumela isixazululo elilungile kuya inkinga nge-mortgage e iyunithi izimali zakwamanye amazwe.

Ekusebenzelaneni nama-ukunyakaza nabezindaba ababoleka lwemali alisho umbono yenqubomgomo wezangaPhandle. In the press kukhona ukhuluma mayelana umphakathi esimeningcondvo inqubomgomo yesifundazwe, kodwa ngokuvamile bayindlu sicasulwa. Kaningi, imisinga ezihlukahlukene ababoleka ozama ukwenza kubangane bawo ngenxa yesimo sezomnotho engazinzile.

Kufanele kuqashelwe ukuthi ukuhamba ababoleka lwemali unqabela amalungu ayo izenzo ezingekho emthethweni. Ngalé kwalokho, uzobe necala ukuhlukumeza yile mfuneko. Ngenxa yalesi sizathu, bengathathi usizo emphakathini.

Commercial inzuzo umphakathi

Phakathi khona lwemali mortgage ababoleka musa commercialize. Amalungu yisifiso sakhe siqu esingenandaba ukuba balwele ukuba sizibekele imigomo efinyelelekayo ukuxazulula izinkinga ezikhona. Ukwephula imithetho traffic imisebenzi lokuhweba kunoma yiluphi uhlobo.

Ekhuluma

Inani elikhulu izakhamuzi abazithola ezinzima, kufune kusuka kuhulumeni kanye ngamabhange zinikeza ngezimo ekahle sokukhokhwa sokubolekwayo. Lwemali ababoleka futhi ufisa ukuthi mortgage loans kungukuthi ngohlobo lwemali futhi ngesikhathi samanje. Iphinde ephikelela Central Bank, kodwa amabhange ukuqhubeka ukunikeza le sevisi. Lokhu kungenxa yokuthi izikhungo babhekene nenselele obumbi futhi ufuna ukuthola inzuzo ngangokunokwenzeka. Izakhamizi zingase futhi ichaze ukuthi kwenzeke kanjani ukuba okuyingozi. Okwamanje, izimali zakwamanye amazwe ababoleka lizotholakala ukuthuthukiswa evumayo of isimo. Isibalo bayizakhamuzi athathe loans currency angaphandle kwehle kakhulu. Lokhu kuqinisekisa ukuthi ngempela ababoleka Cabangisisa ngawo wonke "kochwepheshe" futhi "nebubi", ukwenza ukukhetha okufanele.